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Dealing with collectors...

March 16th, 2009 at 02:57 pm

So although I've been trying to get better with debt and up until recently have never paid a bill late, like a lot of people right now there are circumstances that are causing me to miss payments, miss bills, etc. To put it bluntly, it sucks. I've been getting a lot of calls... I got up to date on a few things this week though, so I anticipate a lot less calls. As far as I know these things haven't actually gone to an outside collector, which is good. I have to call later on an account and I'm dreading it... I feel like such a deadbeat : ( I'm especially pissed about this certain account because I only owed like $400 on it but it kept falling behind, compounding late fees, etc., and now I don't even have the $$$ to make the account current. ARGH!

One thing that is VERY VERY annoying is that SOMEONE is calling me and when I pick up it says "blah blah please hold for the next available agent blah blah" HELOOO, you called ME. I'm not waiting on the phone and wasting minutes to wait for YOU when you call me!

I'm so beyond stressed out. My hair is literally falling out : (

5 Responses to “Dealing with collectors...”

  1. momcents Says:

    Make a list deciding who to pay and in what order. Don't answer the phone. Do the best you can, and don't beat yourself up. It's not worth it.

  2. creditcardfree Says:

    ((hugs)) momcents has excellent advice! Best wishes.

  3. oceansluver78 Says:

    It is far better to deal with the Orginial Creditor (OC)than it is to deal with a Collection Agency (CA). If the OC sells the account to a CA , both of them can report on your credit report and it is totally legal.

  4. north georgia gal Says:

    I hate those calls too! If you want to talk to me, than have a person call me! I hang up on them. Not too long ago, I was getting these calls all the time. It is far better to communicate with your creditors...this may prevent them from sending it to a collection agency.

  5. Ima saver Says:

    Just let the answering machine pick up. Hope things get better soon.

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